We share the best ways to earn a yield on your cash through fixed deposits, Singapore T-bills, SSBs and money market funds. What happened? Interest rates have continued to trend lower in October 2025. Some savings accounts like the Standard Chartered eSaver account have cut their rates this month. Meanwhile, the 6-month Singapore T-bill yield has stayed low in recent auctions, while the best fixed deposit rates in Singapore have remained stable. These changes have led many in the Beansprout community to relook at the best places to park their idle cash and to earn passive income in Singapore. In this article, I’ll break down some popular options such as T-bills, fixed deposits, Singapore Savings Bonds (SSBs), and money market funds to see where are the best places to grow our savings in today's low-interest-rate environment. We’ll cover:

• The latest interest rates on fixed deposits, T-bills, SSBs, and money market funds
• Pros and cons of each option

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